With today's economic conditions causing great financial uncertainty, life insurance can help ease your mind and protect your family's future. If you have people who depend on you, having term life insurance is critical. No one is comfortable at the thought of his or her own death, but it's something that you have to plan for if you have loved ones who depend on you.
       In our efforts to offer you a more complete Service, we have incorporated not only Insurance but Financial Services as well. By doing so we are able to offer you a complete choice for your needs and the needs of your family, both present and future.

Key Benefits
Group Life
Disability
Retirement / Pension
Long Term Care
Employee Insurance
Advanced Underwriting
Estate Analysis
Voluntary Benefits
Guaranteed Issue
Medical Supplements
Personal Insurance
Business Insurance









Dale R. White
       The principal, Dale R. White, began his career in 1976 as a captive agent. Ten years later he became an independent agent starting his own agency.
Dale has been active in insurance industry affairs, past president of Finger Lakes Association of Independent Financial Advisors and past chairman of varied state committees.

       He has received Leaders Conference Top Recognition from various companies and was "Producer of the year" for Utica National Life Insurance Company in 1990 and 1998. Dale also sits or chairs varied community groups and task forces. Dale’s primary focus is with voluntary group benefits, life, and fixed annuities.


NEW YORK SUPPLEMENTAL INSURANCE POLICIES
CANCER POLICY: Benefits Include:
First Occurrence * Radiation & Chemotherapy * Cancer Screening * 2nd Surgical Opinion * Extended Care * Bone Marrow Transplant
Other Benefits Include:
Nursing Services * Surgery * Prosthesis * Blood & Plasma * Hospice * Hospital Confinement * Anesthesia * Ambulance * Transportation * Family Lodging * Waiver of Premium
 
DISABILITY POLICY:
Disability income paid regardless of other benefits - Multiple Plan Options - Monthly Benefit Amount = $500.00 per month - $3,000.00 per month - Waiting Period Alternatives: 0/7, 0/14, 14/14, 0/30, 30/30, 60/60, 90/90 Sickness vs. Accident - Benefit Period Options: 3 months, 6 months, 12 months or 24 months - Portable - Payroll Deduction
 
ACCIDENT POLICY:
Accidental-Death Benefits - Hospital Benefits - Ambulance Benefit - Emergency Benefit - Lump-Sum Injury Benefits
 
HOSPITAL INDEMNITY POLICY:
-Pays from the very 1st day of hospitalization - Pays double benefit for first day confinement - Guaranteed renewable (premium rates may be changed by class) - Rates do not increase because of age - Pays regardless of any other coverage
- Newborn children automatically covered from birth - Pays one year maximum benefit per period of confinement

Companies We Offer

Columbian Mutual Life
Whole Life - Term
First United American
medicare supplement, Guarantee Life
William Penn
Life
Aflac Insurance
Cancer, Disabilty
Union Central Life
Colonial Life
Voluntary disability benefits - Group
- Individual - Short and long term - Cancer

   









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